Who Has the Cheapest Insurance Quotes for a Jeep Grand Cherokee in Ohio?

Our editors have a joke that when writing about car insurance, the words “cheap” or “affordable” should never appear as a descriptor for car insurance rates. It’s a simple fact that cheap car insurance for a Jeep Grand Cherokee is not easy to find. Don’t let that ruin your day, because we can show you some ways you can quote insurance that is more budget-friendly.

The chances of buying cheaper coverage for a Jeep Grand Cherokee in Ohio is dependent upon a lot of different factors such as the safety rating of your vehicle, if you have a coverage lapse, and if your driving record is clean. Drivers in Ohio pay on average $790 per year for Grand Cherokee insurance, but that cost is a valuation based on rates for a 30-year-old single male driver that purchased both comprehensive and collision coverage and $250 deductibles.

More likely than not, you are not exactly 30 years old and possibly not even male, possibly married instead of single, or maybe you live in a different area as the quoted rates. Having different needs demonstrates why your best chance at finding cheap car insurance rates for your Jeep is to compare as many rates as possible. In less than five minutes you will receive rate quotes from the cheapest companies available.

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Your Jeep’s trim level tends to have a direct effect on the cost of coverage, so the price to insure a Grand Cherokee Laredo 2WD model will be $78 less than the cost to insure the more expensive Grand Cherokee SRT-8 4WD trim level, as shown below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can affect coverage rates significantly.

Finding out which companies offer the best insurance rates for a Jeep Grand Cherokee will require a tad more effort in order to find the most economical policy. Each insurance company uses a little different formula to set their prices, so let’s take a look at the overall cheapest insurance companies in Ohio.

It’s important to understand that Ohio insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Improving your credit score, buying a home, or having a fender bender can produce rate changes resulting in some rates now being much cheaper than others.

Best Cheap Insurance Rates for Your Jeep

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Utica National may have some of the most affordable car insurance rates in Ohio at around $628 per year. Erie, Allied, Frankenmuth, and USAA are also some of the best Ohio insurance companies.

In the above rates, if you buy coverage from Frankenmuth and switched to Utica National, you might see a yearly savings of in the vicinity of $80. Policyholders with USAA may save as much as $83 a year, and Travelers insureds might realize rate reductions of up to $98 a year.

It’s important to note that these premiums are averaged for all insureds and vehicles and do not take into consideration a specific rate value for a Jeep Grand Cherokee. So the auto insurance company that fits you best may not even be included in the list above. That is why you need to get rate quotes from many companies using your own driver data and vehicle information.

How careless driving impacts Ohio insurance rates

A great way to snag the cheapest insurance for a Jeep Grand Cherokee in Ohio is to drive safely and not have accidents or get tickets. The illustration below illustrates how violations and accident claims can drive up insurance costs for different categories of driver ages. The data is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

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The data above shows the average cost of car insurance in Ohio per year with no accidents or violations is $1,157. Get written up for two speeding tickets and the average cost increases to $1,542, an increase of $385 each year. Next add two accidents along with the two speeding tickets and the yearly cost of insurance for a Jeep Grand Cherokee jumps again to an average of $3,092. That’s an increase of $1,935, or $161 per month, just for not being more responsible behind the wheel!

Do you need full coverage?

Finding the cheapest insurance for a Jeep Grand Cherokee in Ohio is important to most vehicle owners, and one good way to find cheap insurance is to not buy full coverage. The diagram below illustrates the difference between annual premium costs when comparing full coverage to liability only. The premiums assume no claims or driving citations, $100 deductibles, drivers are single, and no discounts are applied.

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If we average the cost for all age groups, physical damage coverage costs an extra $1,700 per year over and above liability only. That is a big expense that brings up the question if physical damage coverage is worth the money. There is no definitive guideline to drop full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s settlement value is $11,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $10,000 after paying the physical damage deductible. If you are paying over $1,000 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some conditions where dropping full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Find the cheapest insurance for a Jeep Grand Cherokee in Ohio

Below you’ll find some of the recommended thrifty ideas that can help you get more affordable coverage.

• Save money by bundling your home and auto policies
• Get cheaper liability coverage by choosing a safer vehicle
• Having at-fault accidents will increase rates
• Avoid filing excessive claims
• Avoid getting citations and tickets
• Shop around once a year for cheaper rates

The last idea is notably necessary, as was pointed out in the prior article. Auto insurance rates change a lot, so don’t be afraid to switch carriers if a better deal can be had. Staying with the same car insurance company is fine, but it’s not a great idea if that dedication is costing lots of money. Take a couple minutes and shop around and find cheaper auto insurance for a Jeep Grand Cherokee.

Which auto insurance company is best?

If you are shopping around for auto insurance, the most popular companies are Progressive, Geico, Allstate, and State Farm. The next table illustrates some of the different options and features shoppers can expect to find with each one.